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I honestly don't think that they are a consolidation firm since they don't I guess own my debt. What they do is more a long the lines of manage my money and put it in a special purpose account so when I do get an offer letter or they receive an offer let they call me so I can approve the offer...

1. My first payment was in June of 2008 2. All together believe it is a 28 mo. contract The first 2 mo. were down payments and the next 12 months I had to pay 220.93 plus 91.87 service fee and from 8/16/08 to 9/16/2010 its just the 220.93 3. So far I have made 18 payments not including the 2...

Since im new... I cant do anything. My files are too large i guess and I dont have 10 post under my belt so I cant post links to my documents. Any ideas?

Hello all, I need help figuring out what my options are that I have. It's a long drawn out dramatic story on how I got in this predicament and how i got so broke so I wont get into it right now. I am currently involved with a "Debt Negotiation" company and basically I pay them a little over...